Smart Card

Visa Smart Card 

Simple, no-frills credit card perfect for making small purchases to build credit

  • Ideal for young adults in college or entering the workforce4
  • Simple, no frills credit card perfect for making small purchases to build credit
  • Rates as low as 14.99% APR1
  • Secured credit option available
  • Visa Zero Liability coverage3
  • No annual fee


Low rates


Easy online application

Cashless payments with Apple Pay, Google Pay or Samsung Pay

No Annual Fee


Visa Smart Card  Secured

  • A secured credit version of our Smart Card for those who wish to establish or re-establish credit.
  • Secured by a Savings or Money Market account  
  • No annual fee 


Is the Smart Card good for building my credit?

Yes. If you are a student, or new to credit with a limited credit history, the Smart Card may be a good option for you. For those who want to build credit, the Smart Card includes lower limits with low rates for small purchases.

What is the Secured Smart Card?

Southland offers a secured version of its Smart Card. A secured credit card requires a deposit in a Savings or Money Market account to serve as collateral. If you are looking to repair or re-establish your credit, a secured credit card may be a good option. 

How do I make a credit card payment?

There are several easy ways to make a payment. Visit the Make a Payment page for details.

Who do I call to report a card lost or stolen?

You can call Quickline at 888.426.1918. The phone number is also printed on the back of the card.

Can I receive rewards with the Visa Smart Card?

No. Smart Cards do not include rewards. Our Platinum cards do include rewards. 

Can I transfer a balance from another card to my Southland card?

Yes. Transfer your balance from a different financial institution to take advantage of Southland's low rates.

Credit Card Disclosure

Read important credit card disclosures(Opens in a new window)  |  Open full credit card agreement

1: APR= Annual Percentage Rate. 14.99% - 16.99% This APR will vary with the market based on the Prime Rate plus a margin. Balance transfer, cash advance, foreign transaction and other fees may apply. Terms, features, programs and conditions subject to change. 

2: Applicants may qualify for a Maximum total unsecured limit of $100,000, lending criteria applies. Online application currently accepts a max limit of $25,000, please place a comment on your application to request more, or contact us.

3: Visa’s Zero Liability Policy is our guarantee that you won’t be held responsible for unauthorized charges made with your account or account information. You’re protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline. Program conditions and restrictions may apply. 

4: Lending criteria will apply.